Vested RSUs are taxed as ordinary income — but US employers usually withhold only 22% federal, so high earners get blindsided by a bill at filing. Enter your vest and location to see the real tax, the likely shortfall, and your true take-home, with US state and Canadian province rates built in.
Region
Your vest
$
Your tax rates
%
Employer withholding
%
Vest value (taxable income)
$50,000
Likely shortfall at filing
$12,375
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Net cash you keep
$26,625
Effective tax rate
46.75%
The numbers
Federal income tax
$16,000
State / Province income tax
$6,650
Medicare (US, 1.45%)
$725
Total tax
$23,375
Already withheld
$11,000
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How it's calculated
Vest value = shares × price at vest, taxed as ordinary income.
US employers withhold federal at the flat 22% supplemental rate (37% over $1M); the shortfall is your full unpaid tax — federal above 22%, plus state and Medicare — due at filing.
Canada taxes vests at your combined federal + provincial marginal rate via the bonus method (≈ marginal).
Rates auto-fill by state/province as top-marginal estimates — edit your federal rate to match your bracket.
US employers typically withhold federal tax at the flat 22% supplemental rate, and often little or no state tax. If your marginal bracket is 32–37% and you live in a taxed state, that difference plus state tax and Medicare isn't fully withheld — so you owe it at filing. This tool shows the full gap up front.
Does this cover Canada?
Yes — pick a province and it uses your combined federal + provincial marginal rate (no Medicare), and currency switches to CAD.
Is my compensation data uploaded anywhere?
No. Everything stays in your browser on your device.